Credit union · NCUA insured
Security Credit Union Savings Rates
Top CarrotSecurity Credit Union’s best savings rate is 0.25% APY on $10,000, with its Money Market / IDI (Insured Daily Investment) Account. Rates checked October 16, 2026.
How Security Credit Union’s savings rates compare
Compared with banks and credit unions near Detroit, MI, where Security Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Security Credit Union
0.25%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $25
Money Market / IDI (Insured Daily Investment) Account
Top rate
Ignite Credit Union
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $500
2nd-highest rate
Flagstar Bank
4.00%APY
- Requires
- None
- Minimum
- $1
- Earns on $10,000 a year
- $400
Security Credit Union savings score
70
Savings score
Higher than 26% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Security Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market / IDI (Insured Daily Investment) Account
0.25%APY
Can be opened with a minimum deposit of $2,500. Penalty-free withdrawals with no minimum dollar amounts for deposits or withdrawals. Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23; product page also states no account management fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $25,000Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. | 0.25% | $25 | Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. |
| $25,000 – $50,000Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. | 0.30% | — | Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. |
| $50,000 – $100,000Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. | 0.35% | — | Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. |
| $100,000 – $150,000Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. | 0.40% | — | Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. |
| $150,000 and upAccount service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. | 0.45% | — | Account service fee waived for accounts with average daily balance of $250 or more, open loan/credit card, open certificate, open checking share with at least three debit card transactions/checks cleared/ACH debits in month, or primary member under age 23. |
Sources (4)
- securitycu.org/money-market
- securitycu.org/rates
- securitycu.org/accounts
- securitycu.org/wp-content/uplo…02/Rate-Fee-Schedule.pdf
All captured Oct 5, 2026
Share Savings Account
0.01%APY
Minimum opening deposit of $5.00 qualifies as member and $5.00 must remain on deposit to retain membership. $4.95 monthly account service fee is waived for accounts with an average daily balance of $250 or more, an open loan/credit card, an open certificate, an open checking share with at least 3 debit card transactions, 3 checks cleared, or 3 ACH debits in the month, or if primary member is under age 23.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $40,000Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. | 0.01% | $1 | Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. |
| Up to $40,000 | 0.01% | $1 | |
| $40,000 and upFee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. | 0.01% | — | Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. |
| $40,000 and up | 0.01% | — |
Sources (3)
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Savings Account
0.25%APY
Available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account. $4.95 monthly account service fee is waived for accounts with an average daily balance of $250 or more, an open loan/credit card, an open certificate, an open checking share with qualifying activity, or if primary member is under age 23.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. | 0.15% | — | Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. |
| Up to $10,000Paid October 1, 2026 for October 2026. | 0.15% | — | Paid October 1, 2026 for October 2026. |
| $10,000 and upFee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. | 0.25% | $25 | Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. |
| $10,000 and upPaid October 1, 2026 for October 2026. | 0.25% | $25 | Paid October 1, 2026 for October 2026. |
Sources (3)
All captured Oct 5, 2026
Christmas Club Account
0.01%APY
Matures on October 20. $4.95 monthly account service fee is waived for accounts with an average daily balance of $250 or more, an open loan/credit card, an open certificate, an open checking share with qualifying activity, or if primary member is under age 23.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $40,000Listed as Sub-Share Account (Christmas Club, etc.). Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. | 0.01% | $1 | Listed as Sub-Share Account (Christmas Club, etc.). Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. |
| Up to $40,000Matures on October 20. | 0.01% | $1 | Matures on October 20. |
| $40,000 and upListed as Sub-Share Account (Christmas Club, etc.). Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. | 0.01% | — | Listed as Sub-Share Account (Christmas Club, etc.). Fee waived with $250+ average daily balance, qualifying loan/certificate/checking activity, or primary member under age 23. |
| $40,000 and upMatures on October 20. | 0.01% | — | Matures on October 20. |
Sources (3)
All captured Oct 5, 2026
Vacation Club Account
0.01%APY
Sub-share savings account designed for specific savings goals.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $40,000 | 0.01% | $1 |
| $40,000 and up | 0.01% | — |
Sources (1)
- securitycu.org/rates · captured Oct 5, 2026
Who can join Security Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone that lives, works, worships, or attends school throughout the entire state of Michigan.
- Membership includes the Ohio counties of Allen, Defiance, Erie, Fulton, Hancock, Henry, Huron, Lucas, Ottawa, Putnam, Sandusky, Seneca, Williams, and Wood.
Membership information collected October 5, 2026.